Archives for July 2011

Sometimes, it’s just not enough to be living close to the line. Life has to throw a few unexpected bills at you and sometimes even a hospital visit and a broken car all in the same month. A precious but small savings account can diminish before you know it and the money you had is gone. Alternatives to payday loans address this financial difficulty without resorting to loans.

Of course, there are advantages to opting for alternatives to payday loans rather than actually taking out loans. If you can manage to get by without taking out loans, you won’t have to repay interest or worry about stains on your credit report. You won’t have to deal with repaying lenders and you’ll have no worries about possibly having to extend the loan or other things that may result in a much higher payback than you had originally anticipated.

On the other hand, it’s not always possible to find alternatives to payday loans, and when you’re desperate, the convenience and rapid speed with which you can take out a loan make doing so a very tempting option. Nobody can tell you whether taking out a payday loan is the right option for you or not; you have to decide this for yourself.

One of the alternatives to payday loans that many people try is to reduce their expenses as much as possible. They cancel their cable TV and read free books from the library, engaging their brains and making their evenings more worthwhile in the meantime. They reduce grocery bills, use coupons, and have search for free entertainment. Other individuals and families try increasing their income by taking on multiple jobs or starting side businesses. Some people even try to combine both options for maximum savings.

If all of these suggestions for alternatives to payday loans sound impractical for you or like too much effort and time then you may well be more in step with taking out loans instead. There’s nothing inherently wrong with this option, and society only frowns on it because they see having to rely on loans as possibly showing that you can’t manage your own money. That is not the case as so many people take out payday loans that it really isn’t even frowned on as a problem anymore.

If you’re embarrassed about taking out payday loans but you can’t see yourself trying the alternatives try looking for a payday loan through a bbb certified lenders like those in Zippy Payday Cash’s network of lenders. Further you can get a loan without letting anyone know as our lenders are discrete and consider your privacy their utmost objective. Once you’ve been paid from your employer, promptly repay the loan and you’re back on the road to financial independence in no time.

When you’re looking for the quickest direct loan lenders that are bbb certified then your looking for quick direct loans from Zippy Payday Cash and you are in the right place. Our lenders are at the utmost maximum peak of the direct loan lender stack and they got there by being direct, honest, reputable and providing the maximum amount of cash for the lowest interest and having no hidden fees.

A quick cash loan is easy to get, especially with the convenience of the Internet and Zippy Payday Cash online payday loan companies. You don’t need to worry when an emergency cash need arises because you can face emergencies and get the cash you need quickly. Direct Lender cash advance loans are simple to qualify for, obtain and get funded. Once you meet the basic eligibility requirements, a few minor details are handled, documents can be electronically signed and your low interest, no hidden fee cash advance is processed. The cash for your short-term payday loan can be directly deposited into your bank account.

With a quick cash advance, unforeseen cash needs no longer provide stress and worry. You don’t have to worry about being embarrassed about borrowing from relatives and friends. In addition, you don’t even need to leave your home for your quick cash advance because the entire process can be handled on your computer and the money can be deposited in your account. Zippy Payday Cash has online payday loan lenders that offer 1 hour cash advance options as well as those that offer overnight cash advance options.

When your car breaks down or you forget a utility bill, worry can set in and you might not be able to figure out where you can get the extra cash you need. There’s no need to be overcome with worry caused by cash shortages because Zippy Payday Cash lenders can have cash in your account by the next business day. In fact, there are some payday loan options that allow you to get your cash advance processed within one hour! An extra fee is required for a one hour cash loan, but of course, for most people, an overnight cash advance is quick enough to provide the needed cash without the extra cost of the one hour loan.

If you have a personal computer and an Internet connection then it is possible to get a quick cash advance in only a few easy steps. Most people are amazed at how easy and quick the entire process can be with Zippy Payday Cash online payday loan companies. We only use reputable and established quick cash advance companies that offer hassle-free solutions to help you overcome an emergency situation that demands cash quickly between paydays. With terms that are easy to budget, low interest and no hidden fees, you can get the cash you need, take care of your problems and move on to other things that need your attention.

Fast cash advances can relieve cash shortages you might have between paydays, when something unexpected happens. You never know when you might need extra cash, but you don’t need to worry with fast cash advances. It is possible to go through the eligibility, application and documentation processes in the morning and have your cash within 1 hour with a 1 hour cash advances. Getting cash within 1 hour will cost extra, so if you can wait until the next business morning then get one of the other more affordable cash advances that Zippy Payday Cash offers. If you need cash, then there is no need to despair because fast cash advances are easy and quick to get with our online payday loan companies. You can come to our website, enter your zip code and select one of our fast, honest and affordable payday lenders.

For many people that have an unforeseen incident occur, like your car breaking down or a medical emergency, it is possible that there isn’t enough cash in the bank between paydays. It is possible to solve a cash shortage with fast cash advances that can have the money in your account within a few hours. There are options in fast cash advances that allow you to have the money transferred to your bank account with an expedited service, even though it might cost an additional nominal fee. When you are searching for fast cash advances, Zippy Payday Cash makes it easy to find several types of fast and affordable short-term loans that fit your budget.

It used to be that you needed to go to physical store locations for payday loans, but there are many reputable and established payday loan companies that are offering fast cash advances online. You just need to select the lender with the terms that fit your budget, read the documents, provided by the lender, carefully and you will have the money you need quickly and safely. If you are faced with an emergency need for cash, it can be stressful and intimidating, but it is easy to solve your cash shortage hassle free.

When you need cash quickly and you have another week or more until you get paid, you don’t need to rely on friends, family or co-workers to loan you a little money, just come to Zippy Payday Cash. It is possible to get an advance without explaining your circumstances or involving your employer, friends or family. For those that are interested in fast cash advances, there are many benefits and the loans are easy to apply for. If you want to eliminate the stress and worry, save the embarrassment or humiliation, it is easy to take advantage of fast cash advances and get the money you need at Zippy Payday Cash.

In response to recent statements from the Better Business Bureau which warned potential online payday loan borrowers of the possible dangers of procuring online payday loans from un-licensed lenders. Since ZippyPaydayCash.com only uses reputable and licensed lenders we have decided to release the following guidelines to help assist potential borrowers in their search to find safe online payday loan lenders. There are many trusted and safe payday cash loan sites on the Internet today, but knowing what to look for when searching for an online loan can prove to be the best method of avoiding possible encounters with unscrupulous lenders.

Some Considerations and Guidelines for Selecting a Trusted Online Lender:

Know where you found the lender from – Many of the customers who have complained about, or have had problems with online lenders, don’t really know where they found the lender from. Always beware of how you got to a lender’s site. For example, if you have found them on the 1st page of a Google search of “online payday lenders” chances are that they are reputable and licensed lenders.
Is the lender licensed? – If the online lender is one of our direct and licensed lenders, meaning that they are directly lending you cash and are also officially licensed by your State, you should have leverage if you ever have a real problem with that lender. To be certain, you can always ask for the lender’s license number (usually listed on their site) and verify it against your State’s database. This really doesn’t take long to do, and will ensure that you are in fact working with a safe and licensed lender.

Beware of “Lead Generation” sites – websites claiming to find you the “cheapest loan available” through their “vast database of lenders” should be considered an immediate “red-flag” (meaning they do not directly lend any money, they are only selling your information to a lender). Of course, not all of these lead generation sites result in problems with your loan, but since they are not directly lending you money, it can be difficult to find contact info for your actual lender. In our experience, it is best to stick with a direct lender. Further, these sites send your information to many different lenders causing you to be inundated with loan offers and cause your credit to be flagged as being submitted to many different lenders.

Contact customer service – Make sure that customer service exists, and is there to service you if you ever have a question or issue. Sites that are attempting to “scam” you, will generally not have a customer service center that you can contact, and in place will have an email contact only. If you are taking out a payday loan and giving out personal info over the Internet, you will want to have access to an actual customer service representative. While ZippyPaydayCash.com is not a lender we do not sell your information to lenders, we only have a select group of reputable online lenders in our network and we let you select the lender based on what they offer that fits your needs. All of our lenders have been evaluated to ensure they are honest, licensed, secure, charge reasonable fees and do not hide additional fees in fine print.

As a broker of direct and trusted online lenders, ZippyPaydayCash.com strives to provide their customers with the information and knowledge available to find a safe and secure loan when needed. We will also inform you as to when a short-term loan can actually help a financial situation and in which situations a short-term loan should be avoided.

When you decide that you need to get a direct personal loan online, please do the research necessary to make sure that you choose a reputable direct personal loan lender. There is a lot of competition in this market, and some are not so reputable. There are many different options and choices to choose from when you are looking for this type of loan. Do your research or come to Zippy Payday Cash where we only allow lenders into our network if they are up front with the entire cost of their loans, honest and reputable.

One of the advantages of using the Internet includes the fact that you can do your research and compare direct personal lenders at the same time, while trying to find yourself the best deal for your money. Write down and read all of the information on the site such as the interest rates, as well as the terms and conditions of the loan. Many lenders have have hidden fees mentioned in the small fine print not visible unless you really look at the site. However, if you use Zippy Payday Cash you can be assured that our lenders have the best rates available online and are upfront with all fees in clear easy readable print.

Reputable direct payday lenders should’nt have any concerns regarding their loan rates and should be a licensed cash advanced lender. They should be able to show you proof of their lending license for your state and offer competitive rates.

There is no middle man for the commissions paid to different companies when you apply directly to cash loan lenders because there is no third parties involved in the process. There is no middle man to deal with to get his cut. While, Zippy Payday Cash brings borrowers and lenders together, our lenders do not charge you extra because you came through us as our lenders make their money by being honest and reputable and knowing that you will return directly to them when you need another loan.

Look for direct online lenders with satisfied customers and past experiences as most of them should have customer testimonials on their sites to express this. Also look for the ones with legitimate credit intuitions and don’t ever try to get a loan from a bogus lender, check them out on the Internet first. To be completly safe come to Zippy Payday Cash to find the best pre-qualified direct lenders for your needs!Zippy Payday Cash is a subsidiary of Green Leaf Loan Group – direct lender payday loans.